The field of mobile credit card payments is getting crowded with differentiating factors harder and harder to see.

While competing on transaction charges is one way to do it, I think as more and more vendors (Intuit, Square, PayPal and now GroupOn) begin to offer mobile payment solutions and even more offer payment solutions with no swipe, but as an app, small business owner will benefit from even more choice.

However, as you pick your mobile payment service go with the ones who offer the best customer service and experience.

Groupon announced the launch of a new payments service – one that guarantees to be the cheapest and simplest option for local businesses to accept credit cards. Built into the latest version of the Groupon Merchants app for the iPhone and iPod Touch, the payments service will beat any other available rates — offering local businesses significant cost savings on credit card processing fees.